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All Journal JURNAL EKONOMI BISNIS DAN MANAJEMEN JURNAL PENGABDIAN MASYARAKAT AKADEMISI Jurnal Ekonomi Bisnis dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Akademik Pengabdian Masyarakat JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Pelayanan Unggulan: Jurnal Pengabdian Masyarakat Terapan Ekopedia: Jurnal Ilmiah Ekonomi
Hikmayani Subur
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Peran Manajemen Keuangan Pribadi Terhadap Kesejahteraan Finansial Melalui Financial Technology Sri Utami; Hikmayani Subur
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 1 No. 2 (2025): April-Juni 2025
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/zhfhxw16

Abstract

Penelitian ini bertujuan untuk mengkaji pengaruh manajemen keuangan pribadi terhadap kesejahteraan finansial dengan memfokuskan pada peran Financial Technology. Menggunakan pendekatan kuantitatif, penelitian ini melibatkan 100 responden dari mahasiswa Fakultas Ekonomi Universitas Negeri Makassar dengan metode purposive sampling. Pengumpulan data dilakukan melalui kuesioner online, dan analisis data dilakukan menggunakan Structural Equation Modeling-Partial Least Squares (PLS-SEM) melalui aplikasi SmartPLS 4.0. Hasil penelitian menunjukkan bahwa manajemen keuangan pribadi berpengaruh positif dan signifikan terhadap kesejahteraan finansial, baik secara langsung maupun tidak langsung melalui Financial Technology. Temuan ini juga mengonfirmasi bahwa Financial Technology berperan sebagai mediator yang memperkuat hubungan antara manajemen keuangan pribadi dan kesejahteraan finansial. Dengan demikian, penelitian ini diharapkan dapat memberikan gambaran yang lebih komprehensif mengenai pentingnya literasi keuangan dan pemanfaatan teknologi keuangan dalam upaya meningkatkan kondisi finansial mahasiswa.
LITERASI KEUANGAN TERHADAP KINERJA BISNIS PADA UMKM MELALUI ENTREPRENEUR MINDSET Septiannisa Paramita; Hikmayani Subur
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 11 (2025): November
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i12.7517

Abstract

This study aims to examine the influence of financial literacy on the business performance of Micro, Small, and Medium Enterprises (MSMEs), with the entrepreneur mindset as a mediating variable. Financial literacy is defined as a strategic skill in financial management, investment optimization, and business risk mitigation, while the entrepreneur mindset serves as a key driver in fostering innovation, bold decision-making, and risk adaptation. Using a qualitative research method through in-depth interviews with five MSME actors in Rappocini District, Makassar City, the study reveals that adequate financial literacy positively contributes to financial management, operational efficiency, and business growth. The entrepreneur mindset is found to strengthen the relationship between financial literacy and business performance, particularly in aspects of innovation, strategic decision-making, risk tolerance, and leadership ability. These findings highlight the importance of integrating financial literacy and entrepreneurial mindset in building resilient and competitive MSMEs in the digital era. The study also recommends the development of financial education programs and entrepreneur mindset training based on the actual needs of MSMEs as a strategy to enhance national competitiveness.
Co-Authors Abdul Rajab Andi Tenri Ampa Muhammad Ilyas Thamrin Tahir Nurjannah Nurjannah Ratna S Ratnah S. Septiannisa Paramita Sitti Hajerah Hasyim SRI UTAMI Sulolipu, Andi Annisa Tadampali, Andi Caezar To Wahyu Muh Syata Wahyu Muh. Syata